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Perhaps it will be a great idea if it is delinked from the obnoxious priority tag and thereby allow banks to display creativity in financing the sector, especially in rural and semi-urban areas where its potential for positive transformation of socio-economic conditions is immense. Banks are gradually appreciating the virtue of spreading the credit risk by financing large number of small (Retail) borrowers.
Credit card business is growing and even government banks have started marketing cards. Surprisingly, they still do not leverage the network of branches and availability of surplus manpower into effective marketing...
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